Free Checking with eStatements

$25

Cash Rewards Checking

It's not hard to find a checking account that pays you! With Cash Rewards Checking, you get a checking account that offers a great interest rate and ATM fee refunds nationwide².

Meet the simple everyday qualifications each month, and you'll automatically earn the rewards. And if you don't qualify one month, don't worry -- you still earn our base rate of interest for that month... and you can qualify for the next month!

²ATM surcharge fees of up to $20 per statement cycle will be refunded if reward requirements are met.

³Message and data rates may apply from your wireless carrier.

Free Checking with eStatements

Our checking is more than a basic account. With no minimum balance requirement and no monthly maintenance fee when enrolled in eStatements, you get unlimited check writing, free Online Banking, free Bill Pay, free Mobile Banking¹ and a free VISA® Debit Card. In addition, you may open a savings account and track your activity on both accounts on a combined monthly statement. Only $25 required to open your account in a banking center or online. Overdraft Privilege² up to $300 is also available on this account.

Additional Account Offerings Available at Our Banking Centers

Elite Checking

$25

Elite Checking

Our Elite Checking account is for those customers able to maintain a minimum monthly balance of $1,500. There are no limits to the number of checks you can write and you earn a premium rate of interest. Overdraft Privilege¹ up to $800 is available on this account. Register for Online Banking and you receive Bill Pay, eStatements, Mobile Banking and a VISA Debit Card. Be sure to set your account up for eAlerts and text banking to your mobile phone so you always know how your money is working for you.

¹$200 bonus offer is not available to existing Morrill & Janes Bank and Trust consumer checking customers or those who had accounts open on or before December 31, 2017. Bonuses only apply when opening a new consumer checking account at Morrill & Janes Bank and Trust or mjbtrc.com during the promotional bonus period. The promotional bonus period is 01/22/2018-04/30/2018. If the account is closed by the customer or Bank within 90 calendar days after opening, we will deduct bonuses earned and received at closing and a $25 account closing fee may be assessed. Closing the account will negate any unearned bonuses. All bonus dollars will be paid to the newly opened checking account. If multiple checking accounts are opened during the promotional bonus period under the same primary owner name, the bonuses will be paid to the account that was opened first. Limit one bonus per new consumer account relationship. A $30 bonus will be given for enrolling in eStatements within 60 calendar days of account opening and a $170 bonus will be given if one (1) direct deposit of $500 or more post to the account within the first 60 calendar days of account opening. Direct deposit must be new to Morrill & Janes Bank and Trust and must be payroll, pension, Social Security or other government benefits. Bonuses will be paid within 90 calendar days after account is opened. An IRS 1099 form may be issued. The offer cannot be used in conjunction or combination with any other offer. Health Savings Accounts are not eligible for the promotion. Geographic restrictions may apply. Account opening is subject to approval.

²Annual Percentage Yields (APY) are accurate as of 02/27/2018 . 2.01% APY applies to balances of $0.01-$20,000.99 and 0.01% APY to balances over $20,001 if reward requirements are met each monthly statement cycle. 0.01% APY applies to balance of $0.01-$20,000.99 and 0.01% APY to balances over $20,001 if reward requirements are not met. The rates may change after the account is opened. ATM surcharge fees of up to $20 per statement cycle will be refunded if reward requirements are met. Reward requirements are: Sign up for eStatements, post a direct deposit and post 15 debit card purchases within your monthly statement cycle.

Text Banking

Just text a short command, and you will quickly receive the information you want.

Message and data rates may apply from your wireless carrier.

Debit Cards

With a debit card, there’s no longer a need to carry cash or even a checkbook! Pay for purchases right out of your checking account with a simple swipe of your card. You have all the convenience of an ATM card combined with the purchasing power of a VISA® card.

Plus, with our Pink Ribbon Debit Card you can look forward to helping fight breast cancer in our community—each time you use the card, we make a donation.

Bill Pay

Paying bills with Bill Pay is fast and free. Eliminate the hassle of checks, stamps and envelopes by paying your bills online 24 hours a day.

Faster Payment — Some payees will receive payment days earlier.

Easy Navigation — Your information is organized.

Convenient Payment History — View your pending transactions or payment history with just the click of a button.

SAVVY Money Management

SAVVY Money Management makes managing your money and maintaining financial stability easier than ever. You can securely link your accounts from other financial institutions, giving you the ability to view all your accounts in one convenient location. With SAVVY Money Management, you can track spending, set financials goals and monitor all of your accounts.